so I'm applying for a mortgage with my husband and sadly my scores are lower. My middle score is 613. I need a 620! Well going over my report I noticed that a paid charge off of $18,600 is reported twice from three years ago. Long story short I called chase and that apologized and said they assigned a new account number and forgot to delete old account. They said it would be expedited and removed in 2-5 days. So my question is, if that extra paid charge off falls off my report is there any hope in points increase for my mortgage scores?